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Credit Agricole
(ACA)
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Rating:65Neutral
Price Target:
€16.00
▼(-15.79% Downside)
Action:Reiterated
Date:08/06/26
The score is driven by a mixed financial profile—profitability and ROE are steady, but rising leverage and historically volatile cash flow add risk and cap the rating. Offsetting this, valuation is compelling (low P/E and high dividend yield) and technicals are supportive with an established uptrend, though overbought signals temper the technical score.
Positive Factors
Diversified financial-services model
Crédit Agricole’s presence across banking, insurance, asset management, corporate finance, and specialized lending diversifies earnings sources. This breadth can support resilience across economic cycles because weakness in one activity may be partly offset by steadier performance elsewhere.
Negative Factors
Higher balance-sheet leverage
The sharp increase in debt-to-equity raises sensitivity to funding costs and asset-quality volatility. Greater leverage can reduce financial flexibility during stress, constrain capital allocation, and make future earnings more exposed to changes in financing conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified financial-services model
Crédit Agricole’s presence across banking, insurance, asset management, corporate finance, and specialized lending diversifies earnings sources. This breadth can support resilience across economic cycles because weakness in one activity may be partly offset by steadier performance elsewhere.
Read all positive factors
Credit Agricole (ACA) vs. iShares MSCI France ETF (EWQ)
Market Cap
€45.13B
Dividend Yield11.39%
Average Volume (3M)5.54M
Price to Earnings (P/E)7.4
Beta (1Y)1.05
Revenue Growth-0.91%
EPS Growth-10.42%
CountryFR
Employees79,848
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.02
Shares Outstanding3,025,902,300
10 Day Avg. Volume6,385,043
30 Day Avg. Volume5,537,757
Financial Highlights & Ratios
PEG Ratio2.43
Price to Book (P/B)0.76
Price to Sales (P/S)0.47
P/FCF Ratio2.97
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€19.53Price Target Upside2.81% Upside
Rating ConsensusModerate Sell
Number of Analyst Covering3
EPS Forecast (FY)2.29
Revenue Forecast (FY)€28.59B
Credit Agricole Business Overview & Revenue Model
Company Description
Crédit Agricole S.A. is a global financial institution offering a comprehensive suite of services, encompassing retail and corporate banking, insurance, and investment solutions. Its operations are structured across several key divisions: Asset Ga...
How the Company Makes Money
Crédit Agricole S.A. generates earnings primarily from a diversified set of banking and financial-services revenue streams. (1) Net interest income: As a bank, it earns interest on loans and other interest-earning assets and pays interest on depos...
Credit Agricole Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
48
Neutral
Cash Flow
39
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 115.32B | 112.32B | 104.97B | 97.73B | 45.58B | 63.21B |
| Gross Profit | 75.85B | 70.33B | 54.25B | 51.26B | 26.71B | 49.91B |
| EBITDA | 11.62B | 12.27B | 11.68B | 10.50B | 8.60B | 8.88B |
| Net Income | 6.59B | 7.07B | 7.09B | 6.35B | 5.31B | 5.84B |
Balance Sheet | ||||||
| Total Assets | 2.46T | 2.37T | 2.31T | 2.19T | 2.14T | 2.07T |
| Cash, Cash Equivalents and Short-Term Investments | 150.27B | 563.87B | 560.73B | 499.82B | 480.82B | 487.28B |
| Total Debt | 685.99B | 519.23B | 644.05B | 606.71B | 615.40B | 562.55B |
| Total Liabilities | 2.38T | 2.30T | 2.23T | 2.12T | 2.07T | 2.00T |
| Stockholders Equity | 70.19B | 69.52B | 67.49B | 63.87B | 60.53B | 63.33B |
Cash Flow | ||||||
| Free Cash Flow | -8.61B | 17.90B | -28.99B | -56.56B | 421.00M | 10.05B |
| Operating Cash Flow | -7.96B | 19.01B | -27.15B | -54.83B | 1.46B | 10.93B |
| Investing Cash Flow | -4.30B | -4.40B | -2.76B | 8.66B | -5.04B | -838.00M |
| Financing Cash Flow | -4.64B | -4.49B | 11.62B | 17.19B | 598.00M | -1.70B |
Credit Agricole Technical Analysis
Negative
19.00
Price Trends
17.18
Negative
17.31
Negative
16.48
Negative
Market Momentum
-0.63
Positive
21.92
Positive
12.67
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:ACA, the sentiment is Negative. The current price of 19 is above the 20-day moving average (MA) of 15.93, above the 50-day MA of 17.18, and above the 200-day MA of 16.48, indicating a bearish trend. The MACD of -0.63 indicates Positive momentum. The RSI at 21.92 is Positive, neither overbought nor oversold. The STOCH value of 12.67 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FR:ACA.
Credit Agricole Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | €92.26B | 7.22 | 11.06% | 6.94% | 7.57% | 22.65% | |
67 Neutral | €42.93B | 7.85 | 11.25% | 2.93% | 8.58% | 20.72% | |
65 Neutral | €45.13B | 7.39 | 9.43% | 11.39% | -0.91% | -10.42% | |
58 Neutral | €669.83M | 9.01 | 2.86% | 3.07% | -4.60% | 22.52% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
FR:ACA
Credit Agricole
14.92
0.19
1.26%
FR:BNP
BNP Paribas
83.52
18.49
28.43%
FR:CAF
CRCAM dlle-de France
84.27
-19.23
-18.58%
FR:CRBP2
Caisse Regionale de Credit Agricole Mutuel Brie Picardie
26.69
-1.54
-5.45%
FR:GLE
Societe Generale
59.66
7.41
14.18%
FR:MLCFM
CFM Indosuez Wealth SA
1,450.00
182.92
14.44%
Credit Agricole Corporate Events
Crédit Agricole Sets Final Size of Senior Preferred Note Issue at €390.6 Million
Oct 21, 2026
Crédit Agricole S.A. has finalized the size of its latest senior preferred note issuance, a fixed-rate instrument carrying quarterly interest and maturing between October 2026 and October 2028. The notes target institutional and professional ...
Crédit Agricole S.A. Cancels Treasury Shares to Reduce Share Capital
Oct 14, 2026
Crédit Agricole S.A. has reduced its share capital by cancelling 31,999,995 treasury shares, representing about 1.05% of its capital, effective 6 October 2026. These shares were previously repurchased to offset the dilutive impact of a 2026 c...
Crédit Agricole to Acquire IKB, Bolstering Pan-European Mittelstand Banking
Oct 12, 2026
Crédit Agricole has agreed to acquire 100% of IKB Deutsche Industriebank from Lone Star Funds, accelerating its push into Germany’s mid-corporate banking market and deepening its focus on the Mittelstand. The deal, financed from the gro...
CACEIS to Acquire Edmond de Rothschild’s Luxembourg Asset Servicing Operations
Oct 6, 2026
CACEIS and Edmond de Rothschild have deepened their long-standing relationship by signing a strategic asset servicing partnership in Luxembourg, under which CACEIS will acquire Edmond de Rothschild’s third-party asset servicing activities an...
Crédit Agricole Updates Share and Voting Rights Structure as of September 2026
Oct 6, 2026
Crédit Agricole S.A. has reported that as of 30 September 2026, its share capital is represented by 3,057,902,345 shares, corresponding to an equal number of theoretical voting rights. The bank also indicates that the number of exercisable vo...
Crédit Agricole S.A. Completes €605 Million Share Buyback to Offset Employee Dilution
Sep 25, 2026
Crédit Agricole S.A. has completed its share buyback programme launched on 10 August 2026, repurchasing 31,999,995 shares for a total of €605.54 million under an irrevocable mandate to an independent investment services provider. The op...
Crédit Agricole Advances Share Buyback with 2.88 Million Shares Repurchased
Sep 24, 2026
Crédit Agricole S.A. has continued its share buyback program, disclosing transactions in its own shares carried out between 21 and 23 September 2026 across several European trading venues. Over this period, the bank repurchased a total of 2,8...
Crédit Agricole repurchases 4.9 million shares in latest buyback tranche
Sep 21, 2026
Crédit Agricole S.A. has continued its share buyback programme, repurchasing a total of 4,901,341 shares between 14 and 18 September 2026 across several European trading venues. The weighted average acquisition price over the period was ̈́...
Crédit Agricole details latest tranche of share buyback operations
Sep 14, 2026
Crédit Agricole S.A., the listed holding company of the French cooperative banking group, operates across retail banking, corporate and investment services, asset management and insurance. Its shares are traded on multiple European venues, in...
Crédit Agricole Advances Multi-Venue Share Buyback Programme
Sep 7, 2026
Crédit Agricole S.A. has continued executing its share buyback programme, disclosing transactions in its own shares carried out between 31 August and 4 September 2026 across several trading venues. Over this period, the bank repurchased a tot...
Crédit Agricole Discloses Updated Share and Voting Rights Structure
Sep 4, 2026
Crédit Agricole S.A. has reported updated figures for its share capital structure and associated voting rights as of 31 August 2026. The bank confirms a total of 3,057,902,345 shares outstanding, corresponding to an equal number of theoretica...
Crédit Agricole Steps Up Share Buybacks Under EU-Regulated Programme
Aug 31, 2026
Crédit Agricole S.A. has continued its share buyback programme, repurchasing a total of 5,586,749 shares between 24 and 28 August 2026 across several European markets, including Euronext Paris and multilateral trading facilities. The transact...
Crédit Agricole Executes 4.7 Million-Share Buyback Over Five Days
Aug 24, 2026
Crédit Agricole S.A. has reported the execution of transactions under its share buyback programme between 17 and 21 August 2026. Over this period, the bank repurchased a total of 4,715,000 shares of its listed stock across several European tr...
Crédit Agricole details August share buyback transactions
Aug 17, 2026
Crédit Agricole S.A. has continued its share buyback program, repurchasing a total of 4,210,000 shares between 10 and 14 August 2026 across multiple European markets, including XPAR, AQEU, CCXE, and TQEX. The transactions were executed at an ...
Crédit Agricole S.A. Launches Share Buyback to Offset Employee Capital Increase
Aug 7, 2026
Crédit Agricole S.A. has launched a share buyback programme for up to 32 million ordinary shares, to be executed between 10 August and 29 September 2026 on Euronext Paris and other trading venues where its stock is listed. The bank has mandat...
Crédit Agricole Publishes 2026 Interim Financial Report via AMF Filing
Aug 7, 2026
Crédit Agricole S.A. has filed Amendment A02 to its 2025 Universal Registration Document with the French Financial Markets Authority, making its 2026 interim financial report officially available to the public. The document can be consulted i...
Crédit Agricole’s Employee Share Offer Draws Strong Demand Ahead of Buyback
Aug 6, 2026
Crédit Agricole S.A. is a major French banking group with extensive retail, corporate, and investment banking operations, as well as asset management services for individual, business, and institutional clients. It has a strong domestic base ...
Crédit Agricole Updates Share Capital and Voting Rights Structure
Aug 5, 2026
Crédit Agricole S.A. has reported updated figures on its share capital and voting rights as of July 31, 2026, in line with French commercial and market regulations. The bank states it has 3,025,902,350 shares outstanding, all contributing to ...
Credit Agricole Delivers Strong Q2 Results and Accelerates AI-Driven Strategy
Jul 31, 2026
Credit Agricole reported a strong second quarter of 2026, with revenues rising across all business lines, tighter cost control and high profitability reflected in a double‑digit return on tangible equity and robust solvency ratios. Retail ba...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.